Re: Kay Jewelers Card

Make sure you read the fine print...I recently got an account also. I'm pretty sure it's 20% down...Yes, they let me walk out of the store with nothing down, but I had to come back, in 30 days, and put down 20%, to take advatnage of their 0% for 12 months. (Even their website says the same thing, under financing options.)

Re: Kay Jewelers Card: UPDATE!!!!!!!!

I dunno, they did mention before the app about 20% down, but then when we got the approval he said I didnt have to put any down. I offered to pay 20% right there if I needed to put it down, but he told me it was none down, but he could apply it to the ring if I wanted to put something on it. I put some, but not 20%... I'll call and make sure either way I can do it if need be.

Re: Kay Jewelers Card

jcstarkey8826 wrote:

Well, my CC util updated (only one card so far) and I got my SW alert so... I couldnt wait for the other to update, last night I went into the store and found the perfect ring. I hate applying for credit and was so nervous waiting for the decision, as this is the first credit app Ive put in, where I wasnt gauranteed approval, in a long long time.

Came back approved for 0% down, 0% for 12 months and a CL of 4100

Thanks for all of your help, I'll be waiting until april to see where my score is and try to add some prime cards! thanks guys!

That's wonderful! Congrats on getting approved, and with such a nice limit!

Re: Kay Jewelers Card

CONGRATULATIONS!! Nice cl too...who did Kay pull for you?

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do soEQ: 755 as of 8/2013TU: 700Experian(or as I call them, the devil) I have no clue, they haven't released my reportGoal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.